Pay with IN Pay and earn money back

How does cashback work?
Cashback means you can get money back on your purchases. With IN Pay you can decide which shops or types of shops are the best for you to earn cashback. In the app you can select up to three favourite shops (e.g. Rimi, Kaubamaja, Hortes) or categories (e.g. clothing stores, bookstores), in which you will get 2% of the purchase amount back. Cashback applies regardless of the discounts you may receive with the shop’s loyalty card. We highly recommend that you select all three at once, as you can change your selection again after 30 days.

In addition to your selection and partner offers, IN Pay will make short-term special offers for even more cashback.


What happens if I don’t make a new cashback selection in 30 days?
You can change your cashback selection 30 days after your latest selection. Your selection is valid until you make a new selection. If you are satisfied with your choice, you need not change anything, but will simply continue to earn cashback from your favourite places.


If I have made my cashback selection, but Inpay has an exclusive offer for the same shop or category, which offer applies to me?
In such cases, you will always get the largest benefit available at the time of purchase. In other words, whichever offer is better applies to you!


How can I choose where I earn cashback?
You can select the shops or categories where you earn cashback. Check out the options here. You can make your selection conveniently in the Inpay app. Enter the app, go to the offers page, select the cashback account and make your selection.


How is the bonus money used? Will this 2% automatically accrue to my main account or will it accumulate somewhere separately?
The app has a separate cashback account, from which it is possible to transfer money to your main account and then use it to pay wherever you want.


Can I use cashback with all partners or specifically with the partner from whose purchases the cashback was collected?
You can use the accumulated cashback as you wish. The use of cashback is not linked to a specific partner.


Where can I see the accumulated cashback total?
You can see the accumulated cashback in the app under the card limit.


Where can I find the cashback terms?
You can find the terms of cashback on the website.

Does my selection also apply to online purchases?
Yes, if you have chosen a shop for cashback, you will earn cashback both in the physical and online shop. For example, if you have chosen Kaubamaja, the cashback offer is also valid in Kaubamaja’s online shop.


Is a cashback special offer also valid abroad?
Indeed, cashback special offers know no borders and you can also enjoy them while abroad.


If my favourite store is part of a chain, will I earn cashback in all the shops of that chain?
Yes, you are free to choose a chain or a service provider that has many shops or service points. In that case, you will earn cashback at all the shops or service points that are part of the retail chain.


If I select a grocery shop for my cashback, will I only get money back on groceries at that shop?
There is no such limitation. The cashback offer applies to all purchases you make in your chosen shop.


If I select the shoe store category, will I also earn cashback at the shoe departments of department stores?
If you select the shoe store category, your cashback will only apply at separate shoe shops. If you buy shoes from Kaubamaja's shoe department, then you don’t earn cashback on it. The place of purchase must have defined itself as the place of purchase that corresponds to your cashback choice.